SPECIALIST INSURANCE SOLUTIONS
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- Giles Neal
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1 SPECIALIST INSURANCE SOLUTIONS
2 Businesses now face an onslaught of new and increasingly complex exposures. The era is marked by heightened personal and corporate accountability, wide-ranging liability, tough global competition and racing technology. Managers must stay on top of constantly changing statutory, environmental and contractual risks. They cannot do it alone. They need the support of an insurance company with specialist expertise, innovative thinking, flexibility and foresight. They need QBE Asia Pacific.
3 A range of specialist insurance solutions Clear policy wordings International expertise Significant capacity in specialist lines Primary or excess covers QBE Asia Pacific The third millennium is not for the faint-hearted. Relentless change and global competition are the norm. Businesses face daunting new challenges from government regulation, the Internet, and a global trend toward faultfinding and litigation. Mistakes are no longer tolerated. They are punished. For Asia Pacific companies to thrive in this challenging environment they must be smarter, quicker and more entrepreneurial. To meet these new exposures and business challenges, they need specialist insurance solutions from visionary experts they can trust. They need specialist insurance solutions from QBE Asia Pacific. QBE is a dynamic and growing organisation in the Asia Pacific region, with a comprehensive network of operations and over 1,000 staff in 67 offices. Unique fingerprints The QBE fingerprint in each country is suitably unique responsive and tailored to local environments. QBE increasingly delivers leading edge business solutions that are innovative and critical to the success of intermediaries and client companies. We continue to develop new relationships with intermediaries who add value to our specialist insurance solutions by advising clients on new exposures. QBE Asia Pacific means: Expertise in insurance and business solutions Innovation specialist products to manage new risks Service that builds on a strong history of local knowledge Deep Roots Our roots in the Asia Pacific region stretch back to the late 1800 s in Singapore, New Caledonia, Fiji, Papua New Guinea and New Zealand. In the early 1900 s QBE companies established operations in Malaysia, Indonesia, Hong Kong and Vanuatu. Building on this foundation in the 1970 s and 1980 s, we extended our services to French Polynesia, Macau and Thailand. During the last decade, our confidence in the region has prompted QBE to enter the Philippines, Micronesia, Vietnam and Solomon Islands insurance markets, and to establish a representative office in mainland China. Our growth continues. Vince McLenaghan Managing Director QBE Insurance (International) Ltd.
4 QBE CONTINUUM CUSTOMISED INSURANCE SOLUTIONS QBE ENTERPRISE Solutions PACKAGED COMMERCIAL INSURANCE QBE TRADE Credit Solutions TRADE CREDIT INSURANCE QBE CONTINUUM CUSTOMISED INSURANCE SOLUTIONS QBE CONTINUUM is our brand for customised insurance solutions. With the QBE CONTINUUM proposal system, you no longer need to fill in multiple proposals to take up a range of insurance policies. Instead you can create one customised proposal that consolidates the questions into a single document. Using the single CONTINUUM proposal, you can apply for a suite of stand-alone, leading edge, specialist policies. QBE ENTERPRISE Solutions PACKAGED COMMERCIAL INSURANCE Every commercial enterprise has its own unique and complex insurance requirements, and deserves a single, simple solution. Using the symbol of the abacus QBE ENTERPRISE Solutions offers you a range of packaged solutions including QBE OFFICE Cover and QBE RETAIL Cover. QBE TRADE Credit Solutions TRADE CREDIT INSURANCE Bad trade debt can bring down a company. And the fear of nonpayment can inhibit a company s growth by holding back sales in local and export markets. Tailored by specialists to suit your company, QBE TRADE Credit insurance can protect all or part of your sales ledger against non-payment and enhance your entire credit management system. IMPORTANT NOTE This brochure does not attempt to provide full details of every aspect of cover, nor all exclusions or limitations which may apply. For full details, please read our policy wordings which are available on request. Not all products are available in all markets.
5 QBE CONFLICT Cover PROFESSIONAL INDEMNITY INSURANCE QBE CRUCIAL Cover DIRECTORS, OFFICERS & TRUSTEES PERSONAL LIABILITY INSURANCE QBE CONNECTIONS Cover LIABILITY INSURANCE PACKAGE - INFORMATION & COMMUNICATIONS SECTOR QBE CONFLICT Cover PROFESSIONAL INDEMNITY INSURANCE Professionals and consultants can be held liable by clients for their advice or services if something goes wrong. They may face severe financial loss and damage to reputation through drawn-out litigation. With the knowledge that QBE CONFLICT Cover includes indemnity for liability as well as costs in the event of litigation, professionals can conduct their business with confidence. QBE CRUCIAL Cover DIRECTORS, OFFICERS & TRUSTEES PERSONAL LIABILITY INSURANCE Directors, officers and trustees may be held personally liable for the shortcomings of the companies, associations or trusts they serve. Often these organisations have no obligation or ability to indemnify them. In the event of litigation, QBE CRUCIAL Cover includes personal protection for directors, officers and trustees to help preserve their personal assets and reputations. QBE CONNECTIONS Cover LIABILITY INSURANCE PACKAGE - INFORMATION & COMMUNICATIONS SECTOR Today, the connections between hardware and software information and communications are key to the success of any enterprise. To help deal with the problems that can arise unexpectedly in the information and communications sector, QBE CONNECTIONS Cover combines the attributes of professional indemnity, product liability and public liability insurance into a single policy. It removes the need to debate whether the product should be defined as a service or a good the policy will respond to either. IMPORTANT NOTE This brochure does not attempt to provide full details of every aspect of cover, nor all exclusions or limitations which may apply. For full details, please read our policy wordings which are available on request. Not all products are available in all markets.
6 QBE ACTive Solutions BUSINESS LIABILITY INSURANCE QBE SUSTAIN Solutions WORKERS COMPENSATION INSURANCE QBE FORWARD Cover BROADFORM LIABILITY INSURANCE QBE ACTive Solutions BUSINESS LIABILITY INSURANCE It can seem virtually impossible to keep up with constant changes in the legal environment, but decision-makers know they must actively manage their business liability exposures. As part of your risk management program, the QBE ACTive Solutions range of business liability insurance can help you to cover a multiplicity of risks. The QBE ACTive range of business liability insurance includes broad-form liability covers for general or public liability, product liability and employer's liability exposures (where applicable). These specialist insurance solutions can include cover for compensation awards and settlements. They can also cover the often crippling legal costs and expenses you could face when defending actions brought against your company and its reputation. QBE SUSTAIN Solutions WORKERS COMPENSATION INSURANCE As an employer, you have a duty of care to your employees in respect of occupational diseases and accidents. But this does not mean you have to face the hefty responsibility alone. A workers compensation policy helps the employer meet its statutory obligations to employees. The cover sustains both parties through the costs of investigation, defence, and any compensation awarded. Talk to your adviser about the QBE specialist insurance solution for workers compensation insurance. QBE FORWARD Cover BROADFORM LIABILITY INSURANCE If a member of the public suffers a personal injury or damage to their property, which they believe was caused by your business, they can make a claim against you. Every forward-looking manager will consider the daunting implications of such claims, in terms of expenses, time and business reputation. QBE FORWARD Cover is a broadform liability policy that covers both public and product liabilities. Its broad scope means that it can help protect you and your business from the legal liability that may arise if a claim is made that accidental injury or damage has occurred in the course of your business. QBE FORWARD Cover can insure your business for compensation awards and settlements and can also cover the legal costs (such as investigation and legal representation) incurred when defending such claims.
7 QBE PROPEL Solutions MARINE LIABILITY INSURANCE QBE ATLAS Cover CARGO INSURANCE QBE AQUA Cover MARINE HULL INSURANCE QBE PROPEL Solutions MARINE LIABILITY INSURANCE Clients in the maritime sector face an array of complex liability exposures. They need specialist insurance solutions to help propel their business through the complex hazards of marine liability risks. Drawing on wide expertise in the marine liability area, the QBE PROPEL Solutions range includes marine protection and indemnity insurance, marine professional negligence insurance, a marine liability package for the transit sector, plus a range of niche marine liability insurance policies tailored for vessel builders, owners or operators. QBE ATLAS Cover CARGO INSURANCE Whatever your cargo, whatever the destination, and however complex the transit arrangements, our experienced specialists can tailor QBE ATLAS Cover to suit your needs. In the event of a claim, you can rely on a strong claims network and rapid claims management to help you recover your loss, get on with the job and protect your good name. QBE AQUA Cover MARINE HULL INSURANCE Pleasurecraft and commercial vessels are subject to many risks, making marine insurance very complicated. So it is reassuring to know that with QBE AQUA Cover marine hull insurance you have specialist policies providing insurance for recreational hull, commercial hull and marine builder s risk. IMPORTANT NOTE This brochure does not attempt to provide full details of every aspect of cover, nor all exclusions or limitations which may apply. For full details, please read our policy wordings which are available on request. Not all products are available in all markets.
8 QBE LIFEstyle Solutions ACCIDENT AND HEALTH INSURANCE QBE COMPASS Solutions TRAVEL INSURANCE QBE SALIENT Solutions DOMESTIC PROPERTY INSURANCE QBE LIFEstyle Solutions ACCIDENT AND HEALTH INSURANCE If there is a serious illness or accident at home or in the workplace, the last thing you need is financial worries. QBE LIFEstyle Solutions provides a range of covers for individual and corporate clients. Options include cover for permanent and temporary disablement, lump sum payment for death following an accident and medical expenses for accident and illness. QBE COMPASS Solutions TRAVEL INSURANCE The hazards associated with overseas travel can be very expensive. Medical expenses can reach extraordinary levels, especially when overseas either getting you home or a member of your family to your sick bed. Then there s liability if an accident was your fault, there could be crippling damages and legal expenses. Fortunately there s the reassurance of QBE travel insurance with a range of specialist solutions for the corporate traveller, the holiday maker, international student and expatriate. QBE SALIENT Solutions DOMESTIC PROPERTY INSURANCE Preparing for the worst and hoping for the best is just a maxim. To be truly prepared you need to safeguard your family s home and belongings with insurance solutions that offer maximum protection and flexibility. The QBE SALIENT Solutions range of domestic property insurance offers simple, hassle-free cover and includes QBE HOME Plus, QBE HOME Basic and QBE HOME Care. Instead of hoping for the best, you can have it. IMPORTANT NOTE This brochure does not attempt to provide full details of every aspect of cover, nor all exclusions or limitations which may apply. For full details, please read our policy wordings which are available on request. Not all products are available in all markets.
9 QBE IMPACT Solutions MOTOR INSURANCE QBE SURVIVAL Solutions COMMERCIAL PROPERTY INSURANCE QBE MOMENTUM Solutions ENGINEERING INSURANCE QBE IMPACT Solutions MOTOR INSURANCE Vehicle damage can mean costly downtime with the inconvenience of missed appointments and disrupted client contact. As a specialist insurer, QBE has a commitment to move quickly, helping your business to get back on the road. QBE SURVIVAL Solutions COMMERCIAL PROPERTY INSURANCE Recent years have seen most businesses pared to the bone. Yet the challenges have increased, and even an apparently minor disruption to normal trading can have disastrous results. QBE SURVIVAL Solutions offers a range of commercial property covers. It includes protection against material damage plus the option of business interruption protection to help ensure the survival of your business. QBE MOMENTUM Solutions ENGINEERING INSURANCE Increasingly, builders, contractors, and owners of various plant and machinery face highly complex risks. They must also work within very short time frames and downtime is costly. In the face of these issues, you need specialist insurance cover and a service backed by claims experts who will promptly help maintain the momentum of your business. The QBE MOMENTUM Solutions range includes cover for contract works, machinery breakdown, boiler explosion, electronic equipment insurance and their associated loss of profits following an insured event. IMPORTANT NOTE This brochure does not attempt to provide full details of every aspect of cover, nor all exclusions or limitations which may apply. For full details, please read our policy wordings which are available on request. Not all products are available in all markets.
10 QBE Asia Pacific Operations Each of our operations has a story to tell and a vision of the future. Together they create a dynamic and growing division with enormous potential. ASIA China Mainland As part of QBE Group s strategic growth plans, the company opened a representative office in Guangzhou in the People s Republic of China in January This office provides a valuable presence in Guangzhou and enables QBE to research and develop opportunities in China. Hong Kong QBE Hongkong & Shanghai Insurance Limited (QBE HKSI) is a joint venture between Bank of America (Asia) Ltd. and QBE Group. With a history dating back to 1920, when QBE established local representation, it is one of the longest established insurance companies in Hong Kong. QBE HKSI offers a comprehensive range of products to meet the varied insurance needs of our corporate and individual clients. Apart from the conventional business insurance products such as fire, business interruption, burglary, marine cargo, employees compensation, motor etc, we also provide specialist insurance solutions such as trade credit, protection and indemnity, freight forwarders liability, directors and officers liability, medical malpractice liability and professional indemnity insurance. In addition, the company offers personal insurance products including household, personal accident, medical, golf, travel and pleasure craft insurance. Besides, we also carry term life insurance for both corporate and individual customers. The development of the QBE business in this market symbolises the commitment to providing quality services to the Hong Kong insuring public. Indonesia QBE Group s first entry into Indonesia was through agencies in port cities in In 1913 a branch was established in Jakarta. Operations ceased during World War II however the company re-established links with Indonesia in 1981 in association with local insurer PT Pool Asuransi Indonesia. In 1994 the two companies further formalised their solid relationship with the establishment of PT Asuransi QBE Pool Indonesia, a joint venture that operates to this day. QBE Pool has quickly established itself as a leader among Indonesia s joint-venture insurers and has developed many new products to meet the changing needs of Indonesia s rapidly developing market. Macau Our Macau branch was officially opened in July 1985 and has become one of Macau s top six general insurers. QBE Macau has built its reputation on professional agency management and is well supported by several of Macau s key producers. Malaysia Recently merged to combine the strengths of both previous entities, the QBE-MBF joint venture in Malaysia brings together the best of two Malaysian companies, each with a proud history in the local market. QBE Group was first represented in Malaysia in 1905, later becoming QBE Insurance (Malaysia) Berhard, and MBf Insurans Berhard s history dates back to The companies merged in April 2002 to create QBE-MBF Insurans Berhard. The new team has united under a new vision and a more entrepreneurial strategy to take the business forward and embrace the changing market. The focus is primarily on business clients, both corporate and small-tomedium enterprise, with particular emphasis on the specialist classes of insurance. The team is proud of its expertise in commercial property, marine cargo, professional, business and marine liabilities, which are particular strengths. The company also underwrites a variety of personal insurances for individuals which includes householders policies, private motor, personal accident, travel and personal liability. In addition to its specialist expertise, the QBE-MBF joint venture prides itself on its local knowledge and service. The company has an extensive branch network, supporting agents, brokers and clients throughout Malaysia. Philippines QBE Insurance (Philippines) Inc. was formed in December 1999 as a result of the acquisition of the renewal rights of a local company. It is a joint venture in association with a major local organisation, the Alsons Group. QBE Insurance (Philippines) Inc. commenced writing business from 3 January Singapore QBE International has been represented in Singapore since We are the republic s oldest registered Australian company and the only locally operating Australian owned general insurance company. For more than a century, we ve focused on teamwork and built a foundation of trust, consistency, specialist expertise and professional service. Intermediaries have always been a critical part of our business. QBE has built strong relationships with brokers and agents. We continue to strengthen our relationships with intermediaries who are committed to adding value to the specialist insurance solutions that we provide to clients. QBE has a focused approach to underwriting specialist risks and we are proud of our reputation in specialist areas, in particular, professional liability, marine, medical, trade credit insurance. This fits well with our aspiration to provide leading-edge insurance solutions that are client-focused and smarter. Thailand QBE Insurance (Thailand) Company Limited was established as a joint venture company in 1989 and has built an extensive branch network with offices in Bangkok and major regional centres. As well as meeting the needs of the market with general insurance lines, the Thailand operation has developed specialist expertise in professional indemnity, directors & officers liability and contract works insurance. Vietnam As part of QBE Group s strategic growth plans, a representative office was established in Hanoi in In 1999, the formation of BIDV QBE Insurance Company Limited (a joint venture with one of Vietnam s leading State-owned banks) has enabled the QBE Group to offer a wide range of general insurance products to the bank s customers.
11 QBE Asia Pacific Operations Each of our operations has a story to tell and a vision of the future. Together they create a dynamic and growing division with enormous potential. PACIFIC Fiji Queensland Insurance established an agency presence in Suva in 1899, and a branch in In 1978, Queensland Insurance (Fiji) Limited was formed as a subsidiary of QBE. Today with a focus on business insurance, Queensland Insurance (Fiji) is the largest general insurer in Fiji and is continuing its tradition of quality, enabling it to remain the country s most trusted insurer. French Polynesia QBE Group s presence in French Polynesia dates back to The establishment of a branch office in French Polynesia, in 1993, allowed QBE Group to take a significant share in a very competitive market. The management team and staff are committed to improving customer service through new products and a high level of customer focus. New Caledonia QBE has been represented in New Caledonia since 1887; first through an agency, then since 1994 as a branch. QBE provides a full range of policies, specialising in small to medium sized commercial property, householders and motor risks. New Zealand QBE has been providing insurance products to the New Zealand market since Traditionally seen as a generalist insurer, QBE Insurance has become a specialist underwriter in New Zealand leading the market through innovation and entrepreneurship. Our products are managed by highly skilled and experienced professionals and distributed through selected intermediaries to both the corporate and commercial markets. QBE has a reputation for being the biggest specialist insurer in New Zealand with the expertise to provide insurance solutions tailored to the client, particularly in corporate property, professional indemnity and liability. Other specialist divisions provide a variety of products including commercial property, contract works, marine and trade credit. QBE operates a network of branches throughout New Zealand and branch teams have a high degree of autonomy, which means our clients, enjoy accessibility, highly responsive decision making and local service. Papua New Guinea QBE Group s operations in Papua New Guinea began in 1899, when it traded as The North Queensland Insurance Company. Now known as QBE Insurance (PNG) Limited, the company has three offices one in the capital, Port Moresby, the second in the regional centre of Lae, and the third in Kokopo. Following a major portfolio acquisition in 1998, the company became the leading general insurer providing a prompt and efficient service to our broker intermediaries and direct customers. Solomon Islands QBE Insurance (International) Ltd commenced operations in the Solomon Islands in 1994, following a portfolio acquisition. We are the leading commercial and business insurer in the Solomon Islands, providing a wide product range, with distribution via local insurance brokers. Vanuatu QBE International has had a presence in Vanuatu since the 1920 s and opened as a branch in QBE Insurance (Vanuatu) Limited is the country s largest non-life insurer and the only locally incorporated operational insurance company. Our customers acknowledge our longterm commitment to the local insurance market, as QBE Insurance has remained part of the country s insurance market. REGIONAL Specialist Risks Unit The era of the specialist is upon us. QBE established a Special Risks Unit in 1996 to help international clients facing complex, multi-jurisdictional business challenges that could not be insured by conventional covers. Specialists within the unit work closely with brokers, agents and clients legal representatives to develop niche covers that meet the precise needs of key clients. The Specialist Risks Unit has created a range of specialist products including professional indemnity, directors, officers & trustees personal liability, medical malpractice, marine liability, trade credit, extended warranty, information and communications technology, and financial institutions liability. With representation in Hong Kong and Singapore, the Specialist Risk Unit has immediate access to the QBE Group worldwide network of specialist expertise. Businesses that need leading edge insurance cover for high-risk business matters go to specialists in the Specialist Risks Unit. Can we help you? Marine Risks Network The world keeps getting smaller. Ocean trade keeps expanding. And the twin perils of litigation and liability threaten most businesses in the Asia Pacific region that ship or receive goods by sea... It s time for the QBE Marine Risks Network. In the Asia Pacific markets, QBE Marine Risks Units have been established in Singapore, the Philippines, Papua New Guinea, New Zealand and Hong Kong and the network continues to expand. When linked together into the Marine Risks Network these units offer QBE clients a new level of support. Most QBE operations in Asia Pacific offer cargo and hull covers but each individual operation in the Marine Risks Network also offers marine liability products. QBE expertise in the marine liability category includes marine professional negligence plus protection and indemnity insurance. Marine underwriting and claims are handled form local QBE offices. Support includes experienced claims adjusters, the provision of security for claims and, in the protection & indemnity area, a network of specialised claims correspondents throughout the world.
12 Fiji QBE Insurance (Fiji) Limited QBE Centre Victoria Parade GPO Box 101 Suva, Fiji Tel: French Polynesia QBE Insurance (International) Limited Immeuble Galliéni, Front de Mer PO Box 283 Papeete, Tahiti, French Polynesia Tel: Hong Kong QBE Hongkong & Shanghai Insurance Limited 6/F, DCH Commercial Centre 25 Westlands Road, Quarry Bay, Hong Kong Tel: Indonesia PT Asuransi QBE Pool Indonesia MidPlaza 2, 23rd Floor Jalan Jendral Sudirman Kav Jakarta 10220, Indonesia Tel: +62 (21) Macau QBE Insurance (International) Limited Avenida Da Praia Grande No , 9 Andar "B" Edificio Keng Ou, Macau Tel: +(853) Mainland China QBE Insurance Group Limited Guangzhou Representative Office Unit 1812, South Tower World Trade Centre Huan Shi Dong Road Guangzhou Guangdong Province Tel: +86 (20) Malaysia QBE-MBF Insurans Berhad No. 638 Level 6 & 7, Block B1 Leisure Commerce Square No. 9 Jalan PJS 8/ Petaling Jaya Selangor Darul Ehsan, Malaysia Tel: +60 (3) New Caledonia QBE Insurance (International) Limited 5 Rue Anatole-France, BP Noumea-Cedex, New Caledonia Tel: New Zealand QBE Insurance (International) Limited 6th Floor, Quay Towers 29 Customs Street West Auckland, New Zealand Tel: +64 (9) Papua New Guinea QBE Insurance (PNG) Limited QBE Building, Musgrave Street PO Box 814 Port Moresby, Papua New Guinea Tel: Philippines QBE Insurance (Philippines) Inc. 3rd Floor, Prudential Life Building 843 A Arnaiz Avenue, Legaspi Village 1229 Makati City, Philippines Tel: +63 (2) Singapore QBE Insurance (International) Limited 65 Chulia Street #36-01 OCBC Centre (West Lobby) Singapore Tel: Solomon Islands QBE Insurance (International) Limited Panatina Plaza Prince Philip Highway PO Box 764 Honiara Solomon Islands Tel: Thailand QBE Insurance (Thailand) Company Limited 161/1, 11th Floor, S G Tower Building Soi Mahatlekluang 3, Rajdamri Road Lumpinee, Pathumwan Bangkok 10330, Thailand Tel: +66 (2) Vanuatu QBE Insurance (Vanuatu) Limited La Casa, D'Andrea Building Port Vila PO Box 186, Vanuatu Tel: Vietnam BIDV-QBE Insurance Company Limited 7th Floor, North Star Building 4 Da Tuong Street Hoan Kiem District, Hanoi, Vietnam Tel: +84 (4) QBE INSURANCE (INTERNATIONAL) LIMITED (ABN ) A member of the worldwide QBE Insurance Group Head Office: Level George Street, Sydney N.S.W. 2000, Australia GPO Box 82, Sydney N.S.W. 2001, Australia Phone: +61 (2) Fax: +61 (2) FC/QBE719/
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